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The BankAmericard Cash Reward Credit Card is great for points, 1 percent for normal purchases and 2 percent on groceries and gas. Also, getting $100 back just for spending $500 is great, I would have spent that much anyway. The downsides of this card are that the foreign transaction fee is high. 3% is pretty high especially when it is usually free nowadays. Also the late fee is a little steep at $35, people make mistakes and pay late sometimes, and $35 is a huge setback for something so small.
I think the Hilton Credit Card is great! Some of the great things about this card is that there is no annual fee, and there is a big bonus of points after you only make $750 of purchases with the card. This bonus is higher than other cards like Capital One cards. The regular rates are fairly low. However, the foreign transaction fee is not 0% like it should be. This is a hotel card, most likely for travelers. They should make this card more travel friendly. I wouldn't want to be stuck using this card when I'm abroad. This is a great card, but it is not for everyone.
I usually do not enjoy using cards that have an annual fee. Especially when there are no bonuses and the fees are high. However, the required credit score is "bad", this means you can use this card to help your credit score go higher! I highly recommend it for a person that has made mistakes in the past and has ruined their score. Be careful, the rate is a little high though.
The point system on this card is very good. It is very easy to accumulate points fast because they are double when you use the card for gas and groceries. There is no bonus, but the rates are great! I recommend this card! It is just as good as my Capital One card!
Compared to other cards I have used, this card is not so great. The 0% interest rate for 6-18 months is good, but then the rates go very high compared to my Capital One card. Plus, there are no bonuses for using the card after you get it! The foreign transaction fee is also high.
The credit card is very useful. I don't even need to actually have it on me if I am going to shop at Macy's and plan on using the card. Just having the card can give you discounts on certain items on certain times, you just have to time it right. The only thing I don't like is that I can't check the account balance online. They just send paper statements, and I prefer online. The customer service at Macy's is also so-so, so you get stuck with them if you get stuck with this card.
I regret using this credit card. I was using Amazon.com quite a bit for shopping and that's why I got this card. The thing that troubles me the most is that there only way to pay is through a chase quickpay account. There are no other options on the amazon FAQ sites. This was a problem because I already had an existing Chase QuickPay account. And it was not simple to customize a new one just for this amazon credit card. Plus, I believe that the interest rates are high, and this card has just been a hassle for me.